Nzira mbiri Nzira dzinotungamira muHindari yeHuru Inoshandisa Mari
Mabhanki anotarisa chikamu chepamusoro pane federal money rate . Ndiyo mari yebhanji inotengeserana kune imwechete yehusiku hwekubhadhara mari. Vanokwereta vachipa mari kubva kune mumwe nemumwe kuti vazadzise mari yekuchengetedzwa kweFed usiku humwe.
Mabanho akakwidza mubhadharo wekutanga apo Federal Open Market Committee yakamutsa yezvino Federal Reserve yenhanho yekutambira kusvika 1.75 muzana. Iko yepamusoro yepamusoro inowanikwa zvikamu zvishanu pamusoro pehuwandu hwekubhadhara mari. Semuenzaniso, musi waJune 14, 2017, Fed yakawedzera chiyero ichi kusvika ku125 muzana. Maawa mashomanana gare gare, US Bancorp yakasimudza chikamu chikuru kusvika ku4.2 muzana.
Nzira mbiri Iyo Prime Rate Inokubata Iwe
Mabhanki anonyanya kufarira mari yakawanda pamutambo. Izvo zvinosanganisira kugadzirisa-kuwanda kwemari , chikwereti-chete mari yekugadzirisa , uye chikwereti chekadhi rechikwereti . Izvozvo zvinoreva kuti kubhadhara kwako kwemwedzi kunowedzera pamwe chete ne prime. Saka, nyatsoteerera kana iwe uchinzwa Fed iri kukwidza kudyidzana kwemari. Zvinoreva kuti mari yako inoda kuwedzera.
Mabhanki anodzika idzi pamitengo pamutengo wepamusoro, asi chiyero ndecheiyo yakakwirira. Izvozvo ndezvokuti mabhengi ane dambudziko guru risingaiti. Vanofanira kufukidza kurasikirwa kwavo nekuda kwezvikwereti zvisati zvambodzorerwa. Izvo zvikwereti zvinopisa mari ndezvikwereti.
Ndokusaka iyo inhamba yepamusoro yakakwirira zvakanyanya kudarika premime.
Nhamba yepamusoro inobata kukanganisa mumisika yemari . Avhareji yakaderera inowedzera kushandiswa kwemari nekuita zvikwereti zvisingadhuri uye naizvozvo, zviri nyore kuwana. Apo chikwereti chekukweretesa chiri pasi, mabhizimisi anowedzera uye ndizvo zvakaitawo hupfumi. Saizvozvowo, kana mitero yakakwirira, mvura inopera yakaoma, uye hupfumi huri kunonoka.
Prime Rate Versus Libor
Hasi mabhanga ose anotsigira imwe yerudzi rwechido pahuwandu hwehutengo. Mabhengi emarudzi ose uye mabhangi makuru ane vatengi vakawanda vokunze vanoshandisa Libor . Ndiyo London InterBank Offer Rate. Ndiyo mabhanji ekubhadharana anotengeserana kune zvikwereti zvenguva pfupi.
Iko mari inodyidzana, Libor, uye iyo yepamusoro purogiramu inowanzoenderera mberi. Nhamba yepamusoro inowanzosvika 1.5 inenge yakapfuura Libor. Izvozvo zvinowanzoita zvishoma zveshumi zvechinhu chiri kumusoro pamusoro pekudyidzana kwemari.
Kana iyo mitengo isingafambi pamwe chete, iyo inoratidza kuti chimwe chinhu chakaipa nemisika yemari. Semuenzaniso, munaSeptember 2007, Fed yakaderedza mari yayo yakaita pasi nehafu yechinhu. Libor haana kumira. Mabhenji aitya kuwana subprime mortgage chikwereti sezvikwata kubva kune mumwe nemumwe. Vakachengeta Libor kumusoro kuti vadzivise ngozi iyi. Mabhengi aityisa kukweretesa kune mumwe nemumwe kuti vakaramba vachisimudza Libor kunyange sokutanga kwekuwedzera.
Apo Dhechi yakaderedza chibereko chayo kubva ku5.25 kubva ku4 kusvika ku475 muzana musi waSeptember 18, 2007, iyo yepamusoro yepamusoro yakadererawo, kubva pa8.25 kusvika kune 7.75 muzana. Libor yakasimuka kubva pa5,5 kubva ku5 kusvika ku5.6 muzana. Sezvo Fed yakaramba ichideredza chidimbu chayo, iyo yekutanga yakawa zvakare. Libor yakadzika uye yakadzika. Izvozvo zvakaratidza huwandu hwakareba hwekutya kusinganzwisisiki pakati pebhangi.
(Chinyorwa: "Historical Prime Rate," JPMorgan Chase.)
Musi waOctober 8, 2008, apo Fed yakaderedza chiyero chayo kusvika ku 1.5 muzana, chikwata chekutanga chakadonhera kusvika ku4 muzana. Zvisinganzwisisiki, zvakanga zvisingatauri pamusoro peRibor, izvo zvakasindimara zvakasara pa 4.3 muzana. Izvozvo zvakaitika masvondo mushure mekutya kunomhanya pamari yemari yemari uye iyo yakaita kuti hurumende yeUnited States iparare. Izvi Dhidhai yekutengesa chikafu chaive chikamu chekugadziriswa kwebasa pakati pemabhengi ose emunyika epasi pose kusvika pakadzika kukwidza kwemari yemari. Yakanga ichangopfuura mazuva mashomanana mushure mekunge Congress yapfuura $ 700 bhallout bill . Mabhengi aiva mune imwe nyika yekutya kukuru. Kune zvakawanda, ona 2008 Financial Crisis Timetable .
Nokukurumidza pashure, Libor zvishoma nezvishoma akatanga kudzokera kune zvinoenderana. Apo Dhesi yakaderedza chiyero chayo kusvika zero munaDecember 2008, chikamu chekuteerera chinoteerera chakawira ku 3.25 muzana.
Libor rakadonha kusvika 2.19 muzana. Zvakatora rimwe gore risati radzokera kune rakarongeka raro, zvikamu zvishoma zvegumi pane imwe nhepfenyuro yeFed. Nokuwedzera, ona Libor Rate History .